I don't like the wet and the cold (uncanny!
, but it depends how wet and how cold.
I'm in Melbourne, Aus, so if the weather is ****, there will invariably be a much better day around the corner, even in the middle of Winter, so I take a day off if it's horrid.
I hate riding indoors, so I usually skip really wet days. We don't get that many really rainy days -- and rarely have consecutive days of heavy rain -- so I don't mind skipping the odd day.
The average max temperature in July is 13.5 (56F), so we can easily ride all year. A typical cold day here in the Winter is about 10 to 12 degrees C (about 50F), which may slip down to 8 or 9 in the early evening, which is when I ride. We may have the occasional day or two each Winter where hail and the Antarctic winds keep the max temp below around 8C; that's what we call a REALLY cold day.
We have plenty of mild Winter days that are around 13 to 16C; even slightly warmer.
I don't mind strong wind.
The cold starts to annoy me once the temperature dips below about 7 or 8C. If I lived in a colder climate, I would suck it up and get used to riding in cooler weather, but I don't, so I don't have to. Ha.
Heavy rain really bothers (as I said), especially when there's stacks of road spray, and it's cold.
I will often ride when we have scattered/passing showers, even in the middle of Winter, coz the road doesn't get too wet.
I also ride of wet-ish days if I can start if the dry and warm up good and proper.
Eh....more later. I forgot why I came here